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Credit Card Applications » News » Other » Pin And Chip Credit Cards A Problem For North American Travelers

Pin And Chip Credit Cards A Problem For North American Travelers

July 16, 2010 | Updated on July 16, 2010
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The content is accurate at the time of publication and is subject to change.

There have been increased reports of travelers form Canada and America experiencing troubles in Europe with authenticating and using their credit cards for various transactions. The fact that such a situation has come up particularly when other factors (dropping rates of the British pound and the Euro) are more conducive to European travel being a better option is particularly daunting.

Generally the problem is sorted with discussion with the owners of restaurants or shops when you are using your card for a transaction. It is about using your card and proving to them that you are indeed the rightful owner, by providing alternate identification to corroborate the fact. However in automated ticket machines when travelling across Europe, people find themselves having to wait for assistance form a policeman in or an official in rail road stations or else having to travel ticket less.

Wondering why there is so much confusion? The fact is that to avoid the problems associated with credit card theft and the damages therein, most European cards have a chip and pin card system. It works simply by the owner of the card having to punch in a pin known only to them after the transaction is billed validating the identity as authentic. The European cards come with a chip that requires this pin to be entered at all times. While Canadian banks are making a move to incorporate this, the fact that the U.S. is far behind is creating complications for many travelers and tourists.

There are of course various precautions travelers can take to avoid dealing with such situations. Relying on the travelers check rather than cards and making sure you have enough cash before billing would be a wise method. Alternatively during travel make sure you get the tickets printed at home than waiting to get them from he automated machines at the station that may need the pin and chip cards.

With enough and more ATM`s around Europe, every travel can thoroughly enjoy their trip without the hassle of worrying if their card will be accepted for payment by making sure you keep taking out cash as you need it. These Bancomats as they are called in Europe are there at most street corners and ensuring you have a ready supply of cash handy during purchases will allow you to enjoy the benefits of this currency dip. Trans-Atlantic tourism has significantly increased thanks to the fall in the value of the Euro ($1.21) and the British pound (1.46).

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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